Key takeaways
eHealth ranks #1 for affordability among major health insurance carriers, with average rates of $95 monthly.
— QuoteYeti editorial team
- 02 Customer experience ranks #2 based on J.D. Power scores, NAIC complaint data, and online sentiment.
- 03 Coverage breadth scores #1 — see the coverage section below for which add-ons set eHealth apart.
eHealth ratings
How much does eHealth cost?
eHealth health insurance costs members $95 monthly on average, or $1,140 annually — Varies by plan compared to the national average. Actual rates vary significantly based on your profile, location, and coverage selections. Use the cost-by-category table below to see how eHealth typically prices different member profiles.
Avg monthly
$95
Avg annual
$1,140
vs. national avg
Varies by plan
Rates by category
| Category | Minimum coverage | Full coverage | Rank |
|---|---|---|---|
| Low-risk members | $81 | $95 | #1 |
| Average members | $95 | $109 | #1 |
| Higher-risk members | $133 | $152 | #2 |
eHealth earns #1 overall in our health rankings — the kind of performance that rewards a closer look, not a coin flip.
eHealth reputation
eHealth ranks #2 in QuoteYeti's customer experience study for health insurance. The score blends J.D. Power survey data, NAIC complaint ratios (Not applicable versus an industry-wide 1.00 average), and member sentiment from public review sources. Customers consistently praise eHealth for responsive service and smooth claims experiences.
Step 01
Buying process
Buying coverage from eHealth is a strong experience for most members. The quoting process is primarily online with phone support available for complex situations.
Step 02
Policy management
Day-to-day policy management at eHealth is straightforward, with self-service through both the mobile app and web portal. Members typically rate the digital experience as competent if not standout.
Step 03
Claims experience
Claims handling at eHealth is mixed — NAIC complaint data is somewhat elevated, suggesting friction in some claim scenarios. For straightforward claims (windshield repairs, minor incidents), most members report fast resolution. Complex claims requiring extensive investigation can take longer.
Independent industry ratings
Independent ratings from major financial-strength and customer-satisfaction agencies:
| Source | Score | Overview |
|---|---|---|
| AM Best Financial Strength 1 A.M. Best Insurance-industry credit rating agency since 1899. A++ is the highest financial-strength grade. | Not applicable (broker) | Good or above-average financial strength |
| S&P Global Financial Strength 2 S&P Global Standard & Poor's Global Ratings. Insurance financial-strength grades from AAA (strongest) to D. | Not applicable | Adequate financial capacity |
| J.D. Power Claims Satisfaction 3 J.D. Power Consumer satisfaction surveys with 12,000+ policyholders annually. Scores run 0–1000; above 800 is considered excellent. | Not surveyed | Not included in J.D. Power's claims study |
| NAIC Complaint Ratio 4 NAIC National Association of Insurance Commissioners. Their complaint index is 1.0 = average; lower is better. | Not applicable | More complaints than expected — investigate before purchasing |
eHealth discounts
eHealth offers 1 discounts to help reduce your premium:
| Discount | Average savings | Eligibility |
|---|---|---|
| Subsidy Eligibility | Variable | ACA marketplace subsidies based on household income |
eHealth coverage options
eHealth offers a comprehensive coverage menu typical of major health insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
| Add-on coverage | What it covers | Key features |
|---|---|---|
| ACA Marketplace Plans | Individual and family health coverage with subsidies | Open enrollment Nov 1 – Jan 15; special enrollment for life events |
| Medicare Plans | Medicare Advantage, Medicare Supplement, and Part D | Comprehensive Medicare marketplace |
| Short-Term Health | Temporary coverage between jobs or during gaps | Not ACA-compliant; doesn't cover pre-existing conditions |
| Dental and Vision | Standalone dental and vision coverage | Often more affordable than health insurance add-ons |
Pros and cons
Ordered by impact. The top item in each column is the one we'd weight heaviest in a recommendation.
What's working
- Top pro Compare 13,000+ plans from 180+ insurers in one place
- Licensed agents help you enroll at no extra cost
- Plan finder filters by your prescriptions and doctors
- Free quotes with no obligation to purchase
- Covers ACA marketplace, Medicare, and private plans
What's not
- Top con Broker — not a carrier; service quality varies by underlying carrier
- Plan options vary by state and ZIP code
- Application can be slower than direct-from-carrier
- Not all carriers participate in eHealth marketplace
Our verdict
The bottom line
eHealth earns an overall score of 4.42/5 in QuoteYeti's health insurance provider rankings. The carrier ranks #1 nationally, with particular strength in affordability.
eHealth is best suited for members who prioritize the lowest possible rate. Broker is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Frequently asked questions
Is eHealth a good health insurance company?
eHealth is a legitimate health insurance carrier with a financial-strength rating of Not applicable (broker). It ranks #1 overall and #1 in affordability in QuoteYeti's editorial comparison of major health insurance providers.
How much does eHealth health insurance cost?
eHealth averages $95 monthly ($1,140 annually) — Varies by plan versus the national average. Your actual rate depends on your profile, location, and coverage choices. Use the cost-by-category table above to see how eHealth typically prices different members.
What discounts does eHealth offer?
eHealth offers 1 primary discounts, including Subsidy Eligibility. See the full discount table above for eligibility and average savings.
Does eHealth have good claims handling?
eHealth's NAIC complaint ratio is Not applicable (1.00 is the industry average, so lower is better). This is above the industry average, suggesting some friction in claims for some customers. J.D. Power claims scores rate Not surveyed.
Should I choose eHealth or a competitor?
eHealth is strongest for members who want the lowest rates. Compare quotes from at least three carriers — eHealth's rates and offerings vary significantly based on your specific profile, and the carrier that fits best can differ for members in different situations.
How we rated eHealth
QuoteYeti's health insurance rankings are designed to surface where each carrier actually wins and loses. We don't accept payment for ranking placement, and our methodology is published in full so you can audit how we reach our conclusions.
60%
Cost
We compare quotes across multiple members profiles, measuring how competitively each carrier prices its policies against local and national competitors. Data is normalized to comparable coverage levels.
30%
Customer satisfaction
We analyze customer feedback from J.D. Power member studies, NAIC complaint ratios, AM Best ratings, and public review sources to assess overall service quality and claims handling.
10%
Coverage breadth
We evaluate each carrier's coverage menu, scoring the variety of available endorsements, unique features, and gap-filling options.